EP3355257A4 - System and method for providing automated teller service using mobile terminal - Google Patents
System and method for providing automated teller service using mobile terminal Download PDFInfo
- Publication number
- EP3355257A4 EP3355257A4 EP16849000.1A EP16849000A EP3355257A4 EP 3355257 A4 EP3355257 A4 EP 3355257A4 EP 16849000 A EP16849000 A EP 16849000A EP 3355257 A4 EP3355257 A4 EP 3355257A4
- Authority
- EP
- European Patent Office
- Prior art keywords
- mobile terminal
- automated teller
- providing automated
- teller service
- service
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Ceased
Links
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
- G07F19/20—Automatic teller machines [ATMs]
- G07F19/203—Dispensing operations within ATMs
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3221—Access to banking information through M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
- G06Q20/3224—Transactions dependent on location of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/401—Transaction verification
- G06Q20/4014—Identity check for transactions
- G06Q20/40145—Biometric identity checks
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
- G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
- G07F7/1025—Identification of user by a PIN code
- G07F7/1033—Details of the PIN pad
- G07F7/1041—PIN input keyboard gets new key allocation at each use
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
- H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
- H04L9/3226—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials using a predetermined code, e.g. password, passphrase or PIN
- H04L9/3231—Biological data, e.g. fingerprint, voice or retina
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Theoretical Computer Science (AREA)
- Computer Security & Cryptography (AREA)
- Strategic Management (AREA)
- General Business, Economics & Management (AREA)
- Computer Networks & Wireless Communication (AREA)
- Finance (AREA)
- Signal Processing (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Hardware Design (AREA)
- Biomedical Technology (AREA)
- Biodiversity & Conservation Biology (AREA)
- Life Sciences & Earth Sciences (AREA)
- General Health & Medical Sciences (AREA)
- Health & Medical Sciences (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Technology Law (AREA)
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020150134516A KR101828444B1 (en) | 2015-09-23 | 2015-09-23 | System and method for providing automated teller machine service using mobile device |
PCT/KR2016/010675 WO2017052275A1 (en) | 2015-09-23 | 2016-09-23 | System and method for providing automated teller service using mobile terminal |
Publications (2)
Publication Number | Publication Date |
---|---|
EP3355257A1 EP3355257A1 (en) | 2018-08-01 |
EP3355257A4 true EP3355257A4 (en) | 2019-03-27 |
Family
ID=58386622
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
EP16849000.1A Ceased EP3355257A4 (en) | 2015-09-23 | 2016-09-23 | System and method for providing automated teller service using mobile terminal |
Country Status (7)
Country | Link |
---|---|
US (1) | US10957166B2 (en) |
EP (1) | EP3355257A4 (en) |
KR (1) | KR101828444B1 (en) |
CN (1) | CN108431857B (en) |
AU (3) | AU2016327301A1 (en) |
SG (1) | SG11201802392TA (en) |
WO (1) | WO2017052275A1 (en) |
Families Citing this family (17)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10706400B1 (en) * | 2015-11-19 | 2020-07-07 | Wells Fargo Bank, N.A. | Systems and methods for financial operations performed at a contactless ATM |
US10535047B1 (en) * | 2015-11-19 | 2020-01-14 | Wells Fargo Bank N.A. | Systems and methods for financial operations performed at a contactless ATM |
GB2599057B (en) * | 2017-02-03 | 2022-09-21 | Worldpay Ltd | Terminal for conducting electronic transactions |
WO2019009569A1 (en) * | 2017-07-03 | 2019-01-10 | 주식회사 하렉스인포텍 | System for providing financial service |
KR102015905B1 (en) * | 2017-07-20 | 2019-08-29 | 주식회사 케이뱅크은행 | System for back test of security deposit loan |
CN107730775A (en) * | 2017-09-15 | 2018-02-23 | 深圳怡化电脑股份有限公司 | Self-service dealing method, apparatus, system and electronic equipment |
DE102018204367A1 (en) * | 2018-03-22 | 2019-09-26 | Siemens Schweiz Ag | Method and system for authorizing the communication of a network node |
US10607455B1 (en) | 2019-02-13 | 2020-03-31 | The Toronto-Dominion Bank | Automated teller machine providing withdrawals with a single authentication factor |
CN109700358B (en) * | 2019-03-02 | 2024-08-27 | 宁波研森电子科技有限公司 | Negative ion face cleaning instrument |
KR102669787B1 (en) * | 2020-04-08 | 2024-05-28 | 주식회사 올링크 | Method and System for Financial Transaction Using ATM |
CN111640266A (en) * | 2020-06-11 | 2020-09-08 | 中国银行股份有限公司 | Method for depositing and withdrawing money on ATM and intelligent terminal |
TWI777190B (en) * | 2020-07-10 | 2022-09-11 | 兆豐國際商業銀行股份有限公司 | Financial service system |
CN113625984A (en) * | 2021-08-16 | 2021-11-09 | 中国工商银行股份有限公司 | Method and device for realizing same screen of mobile terminal and automatic teller machine |
KR102658701B1 (en) * | 2021-08-30 | 2024-04-17 | 주식회사 우리은행 | Method and apparatus for providing contactless financial automation machine |
US11720873B2 (en) * | 2021-09-14 | 2023-08-08 | Bank Of America Corporation | Smart glass orchestration on close proximity ATMs |
CN115457711A (en) * | 2022-09-02 | 2022-12-09 | 中国银行股份有限公司 | Withdrawal system and withdrawal method |
US20240104533A1 (en) * | 2022-09-22 | 2024-03-28 | Bank Of America Corporation | Banking at a screen-less atm using a mobile device |
Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20110016047A1 (en) * | 2009-07-16 | 2011-01-20 | Mxtran Inc. | Financial transaction system, automated teller machine (atm), and method for operating an atm |
US20120160912A1 (en) * | 2010-12-23 | 2012-06-28 | Kevin Laracey | Mobile phone atm processing methods and systems |
US20120265679A1 (en) * | 2011-04-15 | 2012-10-18 | Bank Of America Corporation | Automated teller machine (atm) to mobile communication device session integration |
US20140263618A1 (en) * | 2013-03-14 | 2014-09-18 | First Data Corporation | Systems and methods for transferring funds using a wireless device |
WO2014177018A1 (en) * | 2013-04-28 | 2014-11-06 | 中国银联股份有限公司 | Cash withdrawing system based on nfc function and cash withdrawing method therefor, and automatic teller machine |
Family Cites Families (12)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR100466652B1 (en) | 2002-05-16 | 2005-01-17 | 주식회사 케이티프리텔 | Method for guaranteeing financial transactions by using wireless network |
KR101016829B1 (en) | 2008-10-10 | 2011-02-24 | 엘지엔시스(주) | Auto Teller Machine and Method for Financial Transaction thereof |
US20120197797A1 (en) * | 2011-01-31 | 2012-08-02 | Bank Of America Corporation | Pending atm transactions |
US9922370B2 (en) * | 2011-11-15 | 2018-03-20 | Ncr Corporation | Techniques for automated teller machine (ATM) transactions |
KR20130083815A (en) | 2012-01-13 | 2013-07-23 | 주식회사 하렉스인포텍 | System and method for payment service using portable terminal, and storage medium recording program for implementing method thereof |
US11354637B2 (en) * | 2012-03-08 | 2022-06-07 | Citicorp Credit Services, Inc. (Usa) | Methods and systems for performing a financial transaction using a mobile communication device |
KR20140030619A (en) | 2012-09-03 | 2014-03-12 | 주식회사 엘지유플러스 | System and method for providing financial transaction service, device, and recording medium thereof |
CN103150837A (en) * | 2013-02-01 | 2013-06-12 | 深圳市怡化电脑有限公司 | System and method for achieving cardless withdrawal on automatic teller machine (ATM) |
KR101514706B1 (en) * | 2014-06-26 | 2015-04-23 | 주식회사 하렉스인포텍 | Method of user authentication using a variable keypad and biometrics and, the system thereof |
US20160027006A1 (en) * | 2014-07-23 | 2016-01-28 | Diebold Self-Service Systems, Division Of Diebold, Incorporated | Encrypting pin receiver |
CN104821050A (en) * | 2015-04-30 | 2015-08-05 | 交通银行股份有限公司 | Method and system for manipulating automatic teller machine |
KR101550825B1 (en) * | 2015-05-15 | 2015-09-10 | 김현민 | Method for credit card payment using mobile |
-
2015
- 2015-09-23 KR KR1020150134516A patent/KR101828444B1/en active IP Right Grant
-
2016
- 2016-09-23 EP EP16849000.1A patent/EP3355257A4/en not_active Ceased
- 2016-09-23 AU AU2016327301A patent/AU2016327301A1/en not_active Abandoned
- 2016-09-23 US US15/762,928 patent/US10957166B2/en active Active
- 2016-09-23 SG SG11201802392TA patent/SG11201802392TA/en unknown
- 2016-09-23 CN CN201680067550.2A patent/CN108431857B/en active Active
- 2016-09-23 WO PCT/KR2016/010675 patent/WO2017052275A1/en active Application Filing
-
2020
- 2020-04-27 AU AU2020202773A patent/AU2020202773A1/en not_active Abandoned
-
2022
- 2022-05-09 AU AU2022203091A patent/AU2022203091A1/en not_active Abandoned
Patent Citations (5)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20110016047A1 (en) * | 2009-07-16 | 2011-01-20 | Mxtran Inc. | Financial transaction system, automated teller machine (atm), and method for operating an atm |
US20120160912A1 (en) * | 2010-12-23 | 2012-06-28 | Kevin Laracey | Mobile phone atm processing methods and systems |
US20120265679A1 (en) * | 2011-04-15 | 2012-10-18 | Bank Of America Corporation | Automated teller machine (atm) to mobile communication device session integration |
US20140263618A1 (en) * | 2013-03-14 | 2014-09-18 | First Data Corporation | Systems and methods for transferring funds using a wireless device |
WO2014177018A1 (en) * | 2013-04-28 | 2014-11-06 | 中国银联股份有限公司 | Cash withdrawing system based on nfc function and cash withdrawing method therefor, and automatic teller machine |
Non-Patent Citations (1)
Title |
---|
See also references of WO2017052275A1 * |
Also Published As
Publication number | Publication date |
---|---|
EP3355257A1 (en) | 2018-08-01 |
SG11201802392TA (en) | 2018-04-27 |
KR20170035544A (en) | 2017-03-31 |
CN108431857B (en) | 2023-03-21 |
US20180300991A1 (en) | 2018-10-18 |
AU2020202773A1 (en) | 2020-05-14 |
KR101828444B1 (en) | 2018-02-13 |
US10957166B2 (en) | 2021-03-23 |
CN108431857A (en) | 2018-08-21 |
AU2016327301A1 (en) | 2018-05-10 |
AU2022203091A1 (en) | 2022-05-26 |
WO2017052275A1 (en) | 2017-03-30 |
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Ipc: G06Q 40/02 20120101AFI20190221BHEP Ipc: G06K 19/07 20060101ALI20190221BHEP Ipc: H04L 9/32 20060101ALI20190221BHEP Ipc: G06Q 20/32 20120101ALI20190221BHEP Ipc: G07F 7/10 20060101ALI20190221BHEP Ipc: G07F 19/00 20060101ALI20190221BHEP Ipc: G06Q 20/40 20120101ALI20190221BHEP |
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